i messaged how i didn't like obama's first inaugural. he had that boiler plait about shared sacrifice and when you're experiencing a depression, you don't need shared sacrifice. you need spending to get the economy moving. and, sure, you can see how wrong it is if you think about this. family which has overspent needs to tighten its belt, but it doesn't as part of its belt tightening start by having one of the spouses quit his or her job. but when do you that in the economy it leads to mass unemployment. which is crazy. >> bank of england did a study recently that our segment producer found that i think is so fascinating. it talks about the -- it looked at all the countries in the world and it's valuated the percent of country years spent in banking crises, and from 1950 to 19790.9% of total country years are set in banking crises and from 1980 to 2010 almost 20% of total country years in the countries analyzed are spent in banking crisis. what is going on? >> it's actually not much of a mystery. it's liberalization. we had from 1950 to